A major concern for American workers is how they will live when they retire and are no longer working. Many have not started preparing for their financial future, thus setting themselves up for a sparse lifestyle after retirement. But as a Marketing Specialists employee, you have the opportunity to save and invest through the Marketing Specialists Employees 401(k) Plan.

The Marketing Specialists Employees 401(k) Plan is designed to provide you with many valuable advantages -- advantages that can actually save you money today and help provide for a secure future. By participating in the 401(k) Plan, you:

• Build an excellent source of supplemental income for your future.
• Lower your current taxable income by deferring 1 to 15 percent of your pay and therefore reduce your current federal income tax.
• Pay no taxes on this money or the earning until you withdraw the money.
• Receive a Company Matching Contribution of $1 for each dollar you contribute, up to 3 percent of your pay.
• May take advantage of a variety of investment choices.
• Receive full value of your 401(k), and
• Receive personalized investment advice to assist you in reaching your retirement goals.

Marketing Specialists Employees 401(k) Plan has been designed to provide you with free advice from one of Wall Street's most respected firms, Smith Barney. Because selecting the right investments can be difficult and time consuming, we have asked the professionals at Smith Barney to assist you in outlining a savings strategy. They will recommend the best funds to help you meet your retirement goals.

For Smith Barney to give you quality, personalized service, you must complete and submit a Participant Investment Planning (P.I.P) Questionnaire.